How long does it take to receive money from Apple Pay cash?
I transferred money from my Apple Pay cash to my bank account but is not in my account yet, even though it says completed.
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See the following from Transfer money from Apple Pay Cash to your bank account - Apple Support
Bank transfers usually take 1 to 3 business days to complete. Check your bank statement to see if the transfer has been processed and deposited into your bank account. Bank transfers won't be deposited on bank holidays or the weekend. See holidays observed by the Federal Reserve on federalreserve.gov.
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If you don't receive a transfer after three business days, contact us.